How Medicaid Is Financed By The Federal Government

How Medicaid is Financed The Medicaid program is jointly funded by the federal government and each individual state. To offset costs for struggling state budgets, the federal government will fully finance new enrollees in 2014, gradually reducing its contribution over time (Sederstrom, 2012). The federal government pays each state for a particular percentage of program expenditures. These expenditures are call the Federal Medical Assistance Percentage (FMAP). Per capita income, from each state, is one of the criteria that FMAP is based on. FMAP can range from 50%-75% based on the per capita incomes. Every 3 years, FMAPs are adjusted for each state to account for variations in the economy. Each state must ensure that they can fund their share of Medicaid expenses for the services and care available under their state plan. Generally, each state pays for services through managed care arrangements or fee-for-service arrangements. Each state can establish their own Medicaid provide r payment rates, as long as they are within federal requirements. Under the managed care arrangements, each state has a contract with organizations to deliver care through networks and pay providers. Providers are paid on a monthly payment rate. Under a fee-for-service arrangement, each state pays providers directly for services. Payment rates may be based on the cost of providing the services, a percentage of what Medicare pays for services, and/or an assessment of what commercialShow MoreRelatedU.s. Healthcare System : The United States1574 Words   |  7 Pagesenrolled with a public insurance company, and 18% were uninsured (Chua, 2006). Public health insurance includes programs such as Medicare, Medicaid, S-CHIP, VA, and many others. Medicare is a program that covers individuals who are 65 years and older and some disabled individuals. It is financed from the federal income taxes that are collected by the government. Part A of the program covers hospital services, Part B c overs physician services, and Part D covers prescription drugs. Because MedicareRead MoreThe United States Healthcare System Is One Of The Most1461 Words   |  6 Pagesmodel is mainly used in the United Kingdom and is solely financed by the government through tax payments. The Bismarck model was first introduced in Germany, but now it’s used in several countries in Europe and Asia. Employers and employees through payroll finance healthcare in the Bismarck model. The National Health Insurance Model is the combination of Beveridge and Bismarck models. NHI uses private sector providers, however, the government finances it. The out of pocket model is only used by theRead MoreThe United States Healthcare System1590 Words   |  7 Pageshealthcare system. Two programs which impact the United States healthcare system is Medicare and Medicaid. The United States has different external factors which influence and shape the system. 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According to â€Å"A Primer on Medicare†, In 2015 Medicare provided health insurance coverage to 55 million people: 46 million people ages 65 and older and 9 million people with permanent disabilities who are under age 65.†Basically Medicare is a federal program, and it has the same benefits and eligibly criteria in all states of America. With the help of Medicare, low in come and elderly person no longer have to rely on their own resources. However, even with the Medicare, most people still haveRead MoreMedicare : Medicare And Medicaid1426 Words   |  6 PagesWeek 2 DB Billing 2 Compare and contrast Medicare and Medicaid; including funding sources, fraud and/or abuse, and eligibility requirements for recipients Both Medicare and Medicaid are administered through a division of Health and Human Services called the Centers for Medicare and Medicaid Services (CMS). CMS’s primary role is to monitor contractors and state agency to ensure the proper administration of Medicare and Medicaid. 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ThisRead MoreThe Cost Of Medicaid Funding1159 Words   |  5 PagesThe costs associated with Medicaid have continued to increase over the years, consuming a larger amount of both federal and state budgets throughout the country. There are now worries about Medicaid eating up state budgets throughout several states. In Kaiser Health News, Rau (2013) reported that health spending will rise faster than economic growth. With such a significant increase in Medicaid costs, there is the danger of notable shortfalls within the Medicaid spending at the state level. Without

Topics for Proposal Essay Secrets That No One Else Knows About

Topics for Proposal Essay Secrets That No One Else Knows About Introducing Topics for Proposal Essay Companies composed of individuals who are not familiar with university system will create essays which have been proven to be poor in quality and simpler to detect as fraudulent, in spite of plagiarism software such as Turnitin. Capital Essay is one particular location where you'll be able to acquire an array of such service providing companies. The aim is to attend a minumum of one social event every fourteen days. Topics you obtain from news stories are in the news since they are interesting. If everything else doesn't work out, there are lots of brainstorming techniques that are crucial in making up a top topic for your essay. Quite a huge collection of topics you're able to find here. Choose topics that are fresh and trending. Select a topic which is quite specific. When you own a topic, it's possible to now embark on the research. Based on the sort of essay, you are going to be in a position to determine the subject of the essay. During the procedure for essay writing, you must brainstorm to determine the subject of your essay. Persuasive essay topics can be quite hard to choose. The Tried and True Method for Topics for Proposal Essay in Step by Step Detail Therefore, you commit to writing a paper of mediocre quality because you believe that's the best that you can do with the time you've got at hand. When you have developed a writing strategy, take the opportunity to also have a plan regarding how you will approach your research. Imagine you are earning a proposal to a theater company to make a show about a Greek or a Roman whose life would make a great musical. Your application should demonstrate why you're special, and why what you need to say is well worth listening to. Writers don't stick to a specific side. In the majority of cases, a writer may never know about accidental plagiarism in your essay, and it can be usually pardoned. Besides, he should understand the kind of facts that one will need in an essay. Our writers would look after your essay. Only the ideal essay writers UK have the skill to finish your assignment in a brief span of time. Question the Readers A well-constructed question is just one of the most effective ways to draw the readers. If you're looking for a customized essay help in UK then Uniresearchers is here to assist you with your essay. Reading articles on a broad scope of subjects help you improve understand unique perspectives and techniques that allow you to present your own essay. You will need tons of thoughts and topics to write about should you wish to keep the content creature fed. Or you may simply keep an eye out for the bestessay writers UK that have a firm grip on the language. It's necessary to select the very best essay writers UK because they have a lot of roles for achieving distinction. The Foolproof Topics for Proposal Essay Strategy You cannot write a great essay in a rush and a half before the exam end understand that you cannot finish it. As a consequence the college essay writers have come to be the option for those students. Sometimes, a student's proof-reading might not be sufficient to deliver an ideal essay. If you're a student, it's evident that you'll be bombarded with lots of of essays during your professional career. Topics for Proposal Essay: No Longer a Mystery Evaluation is a little harder. Writing an essay may be a challenging undertaking. A comparative essay is just a composition composed of many paragraphs. A Masters thesis isn't an expert standard, it's a competency test. Thesis papers and dissertations are largely conducted by gathering large quantity of data. It's probably very problematic for students to just sit and keep on typing if they're actually seeking to develop a fantastic thesis statement or thesis proposal. The most important reason behind students seeking help writing dissertation proposal papers is it is quite challenging.

21st Century Advertisement Tactics Essay Example For Students

21st Century Advertisement Tactics Essay 21st Century Advertisement TacticsAt first glance you see an incredibly handsome man embracing an enchanting young lady. The two appear to in love. They are all alone, kissing in a dark gloomy subway station. How can this be an advertisement for mens shoes? Most advertisements use appealing visuals like these to sell their products. Many of those techniques are illogical, deceptive, and some may even be considered too erotic. The attached advertisement for shoes employs many of these techniques in campaigning their product to customers. It promotes shallow values (sex appeal), it was illogical, and even deceptive. This advertisement was geared more for men. It is an ad for mens shoes and was found in a magazine geared for men. The magazine Maximum is geared generally toward the male crowd. The most prominent figure in the advertisement is what appears to be a couple, dressed in dark dull colors, standing in a subway kissing. However, at the bottom of the advertisement a bright tan colored shoe appears to jump out at you from the dismal dark back round. This advertisement is a prime example of using color to promote a product. The tan shoe is bright in contrast to the dismal bland appearance of the background. It seems to jump off the page and grab your attention. Clearly in this advertisement color was used to help elaborate on the product. The use of color is only one of the many techniques advertising companies can use to embellish their product. Sometimes they may use tactics that upon closer inspection show a lack of logic. For example, in this particular advertisement I noticed a couple kissing. Then as I began to ponder to myself I wondered, How could that particular shoe help a man get a beautiful women like that? It was illogical that because he wore a certain type of shoe he was more attractive to the opposite sex. The sex is supposed to cover up or distract the viewer from the lack of logic in the advertisement. Not only was this advertisement illogical, but also it was using one of the oldest tactics in advertisement, sex appeal. The advertisement depicted two very attractive people kissing. They are holding each other close and every touch appears to be soft and gentle. From their kiss to the gentle touch of his hand across her lower back, the picture suggests soft sensual movements. All these visuals imply the same thing, sex. Shoes cannot increase the chance that a man will have sex. However, it is implied by the advertising companies to increase the likelihood that the customer will by the product. Advertising companies to promote a product also use slogans. The slogan used by this advertisement is GXB no regrets. The GXB is written in large, bold, white letters, and the no regrets was written in slightly bold, red letters, in an unusual font. At first I noticed that color was once again used to promote the product, but then I found that the slogan was somewhat illogical. What did no regrets mean? No regrets for buying the shoe or possibly no regrets cause Im with a beautiful girl. Its not clear as to what the no regrets means in the slogan. The slogan probably is supposed to mean that there are no regrets for buy this shoe because now you are with a beautiful woman. This makes no sense at all. Advertisements around the world use tactics such as these to lure in potential customers. Techniques such as sex appeal are often deceptive and shallow. Many advertisements are made to present the product in a pleasing fashion and do not always make sense to the customer. An ad that would make more sense would tell the customer how much the product it, what the product is, and where the customer can buy the product. Although not all advertisements use these techniques of deception, sex appeal, or color, many do. This tactics are not just used in magazines, but in advertisements of all kinds. .ub9f764ac5f0b9961aef0f426da05e20b , .ub9f764ac5f0b9961aef0f426da05e20b .postImageUrl , .ub9f764ac5f0b9961aef0f426da05e20b .centered-text-area { min-height: 80px; position: relative; } .ub9f764ac5f0b9961aef0f426da05e20b , .ub9f764ac5f0b9961aef0f426da05e20b:hover , .ub9f764ac5f0b9961aef0f426da05e20b:visited , .ub9f764ac5f0b9961aef0f426da05e20b:active { border:0!important; } .ub9f764ac5f0b9961aef0f426da05e20b .clearfix:after { content: ""; display: table; clear: both; } .ub9f764ac5f0b9961aef0f426da05e20b { display: block; transition: background-color 250ms; webkit-transition: background-color 250ms; width: 100%; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #95A5A6; } .ub9f764ac5f0b9961aef0f426da05e20b:active , .ub9f764ac5f0b9961aef0f426da05e20b:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #2C3E50; } .ub9f764ac5f0b9961aef0f426da05e20b .centered-text-area { width: 100%; position: relative ; } .ub9f764ac5f0b9961aef0f426da05e20b .ctaText { border-bottom: 0 solid #fff; color: #2980B9; font-size: 16px; font-weight: bold; margin: 0; padding: 0; text-decoration: underline; } .ub9f764ac5f0b9961aef0f426da05e20b .postTitle { color: #FFFFFF; font-size: 16px; font-weight: 600; margin: 0; padding: 0; width: 100%; } .ub9f764ac5f0b9961aef0f426da05e20b .ctaButton { background-color: #7F8C8D!important; color: #2980B9; border: none; border-radius: 3px; box-shadow: none; font-size: 14px; font-weight: bold; line-height: 26px; moz-border-radius: 3px; text-align: center; text-decoration: none; text-shadow: none; width: 80px; min-height: 80px; background: url(https://artscolumbia.org/wp-content/plugins/intelly-related-posts/assets/images/simple-arrow.png)no-repeat; position: absolute; right: 0; top: 0; } .ub9f764ac5f0b9961aef0f426da05e20b:hover .ctaButton { background-color: #34495E!important; } .ub9f764ac5f0b9961aef0f426da05e20b .centered-text { display: table; height: 80px; padding-left : 18px; top: 0; } .ub9f764ac5f0b9961aef0f426da05e20b .ub9f764ac5f0b9961aef0f426da05e20b-content { display: table-cell; margin: 0; padding: 0; padding-right: 108px; position: relative; vertical-align: middle; width: 100%; } .ub9f764ac5f0b9961aef0f426da05e20b:after { content: ""; display: block; clear: both; } READ: The Arena - Sensory Overload Expository Place Desc Essay From television, to radio, to product placement in movies, these are employed everywhere. I agree that many advertisements today are deceptive, but there are ways of detecting

The Characters And Short About Their Backgrounds Essays

The Characters and short about their backgrounds: Mr Justice Wargrave - Had worked as a Judge for many years and had a fine reputation all over the country. He had killed several people by giving them the death sentence one of them is Edward Seton. Seton was probably innocent. Vera Claythorne - Worked as a Schoolmistress. Her crime was killing Cyril Ogilvie Hamilton, by not trying to help him by while he was about to drown. She was his nanny. Philip Lombard - Explorer, that has travelled all around the world. Was known as a man that you can rely on in stressful situations. He killed 21 men of an East African tribe by leaving them when mercenaries attacked their village. Miss Emily Brent - Was an old cynical lady. Because of her a girl named Beatrice Taylor killed herself by jumping from a bridge. She was working with Emily as a maid. And when she got pregnant Emily froze her out. General Macarthur - An old General who sent a man named Arthur Richmond to a certain death when he found out that he was having an affair with his wife. Dr Armstrong - He owned a practice and was very popular in the upper class of England. He accidentally killed Louisa Mary Clees. He operated her while he was drunk and she died because of that. Tony Marston - A man in his mid twenties, very handsome and popular around women. He drives very carelessly and ran over John and Lucy Combes. They both died. Mr Blore - A former inspector at Scotland yard. Because of him James Stephen Landor died. He killed himself after being sent to prison innocent. Blore planted the evidence against Landor. Mr and Mrs Rogers - They worked as servants. Were married. They worked for Jennifer Brady. Jennifer was a sick old Lady and giving her, her medicine, was a part of their job. One time they didn't give it to her and they inherited a lot of money. One day in August, eight people got a mysterious letter. Eight strangers, all carry a well-hidden secret. They are all invited to Nigger Island, an island that was very famous for people who like to read gossip magazines. The Island is located right outside the Devon coast, and is called Nigger Island 'cause the island is shaped like a head with the lips of a Negro. They all arrive on time but the weather is terrible and the women are a bit anxious about being on the Island since there's a storm coming. When they get to the Island, they find out that their host and hostess are delayed. They aren't alone on the Island. The Owens has hired two servants, Mr and Mrs Rogers. Including them, they are ten people. Mr and Mrs Rogers serve a fantastic dinner, and serve them drinks afterwards. While Mr Rogers serves them the drinks, they hear a mysterious voice. The voice accuses every one of them of a terrible crime: MURDER! Mrs Rogers fainted of the shock. They tried to find out where the voice came from, and discovered that it's a gramophone put up against the wall in the adjoining room. They are all very upset, and that's why no one thinks it's a murder when Anthony Marston dies just a few minutes later. He choked of his drink, said the doctor, then he gave Mrs Roger a sleeping drug and sent her to bed. That's how the terrible story began. The others sat up late discussing the mystery about all this. First the very vague invitation, then the voice and their missing host and hostess. They also discuss the letters, and discover that there are different senders. The sender is always a U.N. Owen = unknown. And why the shower curtains were missing. Early next morning Dr Armstrong woke up by someone knocking on his door. It was Mr Rogers, something was wrong with his wife. He couldn't wake her. When Dr Armstrong takes a look at her, he sees that she's dead. Probably heart failure, he can't know for sure without his medical instruments. That's why nobody thinks the second death is a murder. But when General Macarthur dies from a hard hit in the back of his head

Definition and Examples of Word Salad

Definition and Examples of Word Salad The metaphorical expression  word salad  (or word-salad) refers to the practice of stringing together words that have no apparent connection to one another- an extreme case of jumbled speech  or disorderly  writing. Also called (in psychology)  paraphrasia. Psychiatric clinicians use the term word salad to refer to a rare form of disorganized speech: Campbells Psychiatric Dictionary...a group of neologisms, according to Robert Jean Campbell. They are meaningless until the patient discusses the neologisms at length, thus revealing their underlying significance. It is a coded language, not unlike dreams in principle; the patient holds the table to the code and only he can provide meanings to the otherwise incomprehensible dialect. Examples and Observations Manfred Spitzer[Psychiatrist Eugen] Bleuler described the relatively high frequency of indirect, oblique, or remote, associations in schizophrenic patients. This type of association, observed either in spontaneous speech or in the word-association test, goes from one word to another word via a not overtly spoken intermediate word. One of Bleulers examples is wood-dead cousin. At first glance, this association appears to be a complete word salad. However, if you know that a cousin of the patient had died recently and was buried in a wooden coffin, it becomes obvious that this was, in fact, an indirect association, from wood to wooden coffin to dead cousin.D. Frank Benson and Alfredo ArdilaNeologistic and semantic jargon are the primary components of a schizophrenic language output that has been termed word salad, an apt phrase for the mixture of misused linguistic features produced by the schizophrenic subject. Much more often, however, word salad is based on brain damage (Benson, 197 9a). Noam ChomskyColorless green ideas sleep furiously.Susan NevilleWhen there are recognizable words but no one else can make sense of them, they call it word salad. No one ever thinks to call it music.Gregory CorsoHow nice itd be to come home to herand sit by the fireplace and she in the kitchenaproned young and lovely wanting my babyand so happy about me she burns the roast beefand comes crying to me and I get up from my big papa chairsaying Christmas teeth! Radiant brains! Apple deaf!God what a husband Id make! Word Salads and Creative Writing Heather SellersThe next key characteristic of schizophrenia was the tendency toward word salad. There was an example, a rambling block quotation that strung together a grandmothers death, sunlight, dinner, and cats that didnt exist, interspersed with inappropriate laughter. Again not my mother. Again more like me. Word salad was the exact name of a writing exercise I gave my students at the beginning of the year. In a piece of writing, those moves from death to dinner could be crucial, heartbreaking.I opened a fat gray volume titled Schizophrenia. I found a chart that listed the warning signs of the disease: birth complications, separation from parents, withdrawn behavior, emotional unpredictability, poor peer relations, solo play. One could also consider this the recipe for becoming an artist, a writer. Word-Salad Poetry Nancy Bogen[Y]ou mustnt become so enamored of the sounds youre using as to lose sight of your meaning. To do so would be tantamount to creating word-salad, and even as a form of rebellion, that wont do, it simply wont. Why? Because its been done too many times already and by now its just plain boring, as boring as saying the same word or phrase over and over like a mantra. If people found it on a printed page, theyd simply shrug and move on; if they heard you reading it aloud, theyd just tune out. So what, some of you are saying? So plenty; youre supposed to be communicating- poetry is a special form of communication between yourself, the poet, and others who want to or may be persuaded to hear what you have to say in your language. Word-Salad Spam Pui-Wing TamWord-salad spam has become especially problematic in the last year, say antispam software companies. The technique of stringing together gibberish phrases was devised specifically to dodge a sophisticated type of screening technology, known as a Bayesian filter, which gained popularity in 2003.

The Borgia Codex, Precolombian Treasure

The Borgia Codex, Precolombian Treasure The Borgia Codex: The Borgia Codex is an ancient book, created in Mexico in the age before the arrival of the Spanish. It consists of 39 double-sided pages, each of which contains pictures and drawings. It was most likely used by native priests to predict cycles of time and fate. The Borgia Codex is considered one of the most important surviving pre-Hispanic documents, both historically and artistically. The Creators of the Codex: The Borgia Codex was created by one of many pre-Hispanic cultures of Central Mexico, likely in the region of southern Puebla or northeastern Oaxaca. These cultures would eventually become vassal states of what we know as the Aztec Empire. Like the Maya far to the south, they had a writing system based on images: an image would represent a longer history, which was known to the reader, generally a member of the priest class. History of the Borgia Codex: The codex was created sometime between the thirteenth and fifteenth centuries. Although the codex is partly a calendar, it contains no exact date of creation. The first known documentation of it is in Italy: how it arrived there from Mexico is unknown. It was acquired by Cardinal Stefano Borgia (1731-1804) who left it, along with many other possessions, to the church. The codex bears his name to this day. The original is currently in the Vatican Library in Rome. Characteristics of the Codex: The Borgia Codex, like many other Mesoamerican codices, is not actually a â€Å"book† as we know it, where pages are flipped as they are read. Rather, it is one long piece folded up accordion-style. When completely opened, the Borgia Codex is about 10.34 meters long (34 feet). It is folded into 39 sections which are roughly square (27x26.5cm or 10.6 inches square). All of the sections are painted on both sides, with the exception of the two end pages: there are therefore a total of 76 separate â€Å"pages.† The codex is painted onto a deer skin that was carefully tanned and prepared, then covered with a thin layer of stucco which better holds the paint. The codex is in pretty good shape: only the first and lest section have any major damage. Studies of the Borgia Codex: The content of the codex was a baffling mystery for many years. Serious study began in the late 1700’s, but it wasn’t until the exhaustive work of Eduard Seler in the early 1900’s that any real progress was made. Many others have since contributed to our limited knowledge of the meaning behind the vivid images. Today, good facsimile copies are easy to find, and all of the images are online, providing access for modern researchers. Content of the Borgia Codex: Experts who have studied the codex believe it to be a tonalmatl, or almanac of destiny. It is a book of predictions and auguries, used to search for good or bad omens and precedents for a variety of human activities. For example, the codex might be used by priests to predict good and bad times for agricultural activities such as planting or harvesting. It is based around the tonalpohualli, or 260-day religious calendar. It also contains the cycles of the planet Venus, medical prescriptions and information about sacred places and the nine Lords of the Night. Importance of the Borgia Codex: Most of the ancient Mesoamerican books were burned by zealous priests during the colonial era: very few survive today. All of these ancient codices are greatly prized by historians, and the Borgia Codex is particularly valuable because of its content, artwork and the fact that it’s in relatively good shape. The Borgia Codex has allowed modern historians a rare insight into lost Mesoamerican cultures. The Borgia Codex is also greatly valued because of its beautiful artwork. Source: Noguez, Xavier. Cà ³dice Borgia. Arqueologà ­a Mexicana Edicià ³n Especial: Cà ³dices prehispnicas y coloniales tempranos. August, 2009.

ASTR 123 Assignment Example | Topics and Well Written Essays - 250 words - 2

ASTR 123 - Assignment Example It remains unclear what chain of circumstance led to the emergence of life on Earth. However, scientists believe that the long period of relatively stable climate originating from the stable orbit of the planet at the favorable distance from a proper type of star are necessary factors of complex life on Earth (Guangxian and Xiao 33-34). The Rare Earth Theory holds that few planets can support the kind of complex life that the Earth supports. It contradicts the mediocrity principle which assumes Earth is a typical planet and that there is not much that is special about humanity. Other analysis suggests that the only planet that is capable of supporting complex life is the Earth. Proponents of the Rare Earth Theory indicate the long list of circumstances required for the evolution of complex life on earth. The creation of life requires water, and no planet apart from the Earth if known to have liquid water in large quantities. Many other planets do not have the right temperature to keep water liquid. Therefore, complex life cannot be found in such planets (Guangxian and Xiao 36). Considering that the galaxy is a very thin circular disk of stars of radius approximately 50,000 light years with 2500 civilizations in our galaxy capable of communication, the approximate separation of these civilizations in light years will be the perimeter divided by the number of civilizations. Based on the suggestions and responses of people, humans do not have the right characteristics to foster sustainability. Many of the respondents suggested that humans are moral, selfish, and lazy. The respondents feel that majority of human beings seek their own personal interest, want power, and work for selfish gains. Even though many people remain moral, majority do not have the characteristics to foster sustainability. Guangxian, Xu, and Xiao Jimei. New Frontiers in Rare Earth Science and Applications: Proceedings of the International Conference on Rare Earth Development and Applications

Measuring Business Performance Coursework Example | Topics and Well Written Essays - 1500 words

Measuring Business Performance - Coursework Example Kinney (2009) defines effectiveness is the state of doing the right things within and the limits that have been put, on the other hand efficiency is the state of doing things the right way. Effectiveness aims at outcome regardless of how resources are used while in efficiency focus on the process considering resource allocation. A good example is a company that deals with customer care services, if a worker achieves their daily target then they are effective. However, reaching targets does not mean all the calls successfully connected the customer. On the other hand, a worker may not reach the daily set targets but all his or her calls connect to customers, this is efficiency. 1. Efficiency and effectiveness enables a company saves resources and ensures maximum utilization of the same. When employees work efficiently, they utilize most of the resource with minimal or no wastage respectively. In doing so, the purposes for which the resources were intended for will are met. If efficiency is not there, some resources will be wasted meaning that new ones will have to be purchased thus affecting maximization of the resources. 2. Effectiveness and efficiency leads to expansion of a business. Through effectiveness company can meet targets and produce large volumes of quality goods per a given period of time. This means that the company will sell more goods per unit period. Increase in sales leads to purchase of new equipment that will demand space. The company will therefore expand so as to provide room for the equipment. 3. Efficiency and effectiveness increases profit margin of a company. When a company is efficient, it means that they are maximizing the use of the available resources. If effectiveness is applied, then the company will produce more commodities with minimum materials hence bringing up the profit margin of the company. Lyons (2013) note that in case of inflation, it is very hard to determine the performance of

The Cash Connection Essay Example for Free

The Cash Connection Essay The payday lending industry is a very competitive industry established in the 1990’s, designed to give citizens the option to receive a quick fix regarding financial issues, in an effort to make ends meet. The main objective for those in the payday loan industry â€Å"should be to serve customers in compliance with the rules of the industry and better educate them on the services and products they offer† (Personal Communications, 2012). This industry raises the controversial topic of ethical, or unethical, and to this day is still being disputed. Cash Connection’s strategy is â€Å"to provide financial products and services to the unbanked and financially underserved customers†(CashConnection. eu), also to set themselves apart their competition with the intention of becoming the most dominant franchise in the lending industry. The lending industry was established to provide citizens in a financial crisis with quick cash loans while adhering to the rules of the industry, and informing them of the importance of wise borrowing. A focused differentiation strategy is defined as â€Å"concentrating on a narrow buyer segment and outcompeting rivals with a product offering that meets the specific tastes and requirements of niche members better than the product offerings of rivals†. Cash Connection is taking this approach by offering attractive features to its customers that its competitors cannot offer. The different characteristics consumers find valuable when searching for a quick cash loan, such as lower interest rates, and larger loans have an impact on the consumer’s purchase decision. Cash Connection uses that to their advantage by focusing their strategy around those features in an effort to become the leading lending franchise in that industry. In the excerpt given by Paul Smith there is evidence that suggests that Cash Connection’s strategy and business model is ethical. â€Å"Individuals taking high interest loans were less likely to be in poverty, less likely to be hungry and less likely to have lost their job† (Personal Communications, 2012). Given this act, high interest loans have had a positive impact on society as a whole. Cash Connection explains the importance of wise borrowing before the customer receives the loan, in hopes of preventing the customer from getting into serious financial trouble, as a fair warning before the transaction is complete. â€Å"For companies that operate within this industry, a main objective should be to serve customers in compliance with the rules of the industry and better educate them on the services and products they offer† (Personal Communications, 2012). Certain liabilities are associated with almost every offered product, for example tobacco companies include a warning regarding the health risks associated with the product, and also, alcohol incorporates the same concept into its products. The evidence that suggests Cash Connection’s strategy and business model lies in the â€Å"Pay Loans Scrutinized† video, regarding a woman who carelessly used the system, and built up dependence for the instant cash received (CBS, 2008). In this video a lady reveals her financial struggles she has acquired through the use of high interest lending loans. She explains how lending loans are to blame for the debt she acquired, and states she would prefer to go without heat, water, and food than be in the financial position she is currently in. She obviously abused the privilege and got herself into a predicament. The only unethical argument that rises is the high interest rates that apply under the terms and conditions, making it difficult for those living in poverty to pay back borrowed money. The dominant economic characteristics that affect the payday lending industry consist of the different rules and regulations imposed by the government. The biggest threat the payday lending industry faces is the possibility of it becoming illegal. â€Å"A state that has permissive usury laws can always change its laws to lower ceilings on payday loan finance charges, or to make payday lending illegal†(Caskey, 2002). Also Caskey states some payday franchises require customers to be enrolled in a job position that provides income, along with a checking account. This can have a major impact on the payday lending industry by ruling out those customers that do not fit the necessary requirements established in order to receive a lending loan. â€Å"The five competitive forces include (1) competition from rival sellers, (2) competition from potential new entrants to the industry, (3) competition from producers of substitute products, (4) supplier bargaining power, and (5) customer bargaining power† (Rollins, 2011). Rivalry among the lending industry is very intense and competitive. Since the 1990’s when this industry was established, competition has been fierce because of â€Å"The exiting of traditional financial institutions from the small-denomination, short-term credit market; a change largely due to its high cost structure,† and â€Å"The soaring cost of bounced checks and overdraft protection fees, late bill payment penalties, and other informal extensions of short-term credit† (Personal Communications, 2012). Competition from new entrants in the industry can impose a serious threat because barriers to entry are so low. The only ingredient necessary to enter this market is access to upfront cash. Competition from producers of substitute products contains the ability to be a serious threat because of the different types of loans that banks offer, along with the different characteristics regarding those loans, such as financing programs. Supplier bargaining power holds moderate strength which lies in the hands of the banks. Banks choose which payday franchise to do business with based on that company’s performance. Without the assistance of banks â€Å"the supplier† there is no opportunity for success, so the supplier bargaining power holds serious strength in determining the success of Cash Connection. Lastly, Customer bargaining power does not hold great power. The rates for each payday business are basically the same, and negotiating is not an option for consumers in this industry. The five forces model reveals that the payday lending industry is not ideal for those wanting to manage a successful business. It is very easy for competitors to enter the market, it is in danger of becoming illegal, competition is fierce, and the market already contains too many. The driving forces that currently affect the payday lending industry differ from tate to state. In South Carolina for example, the maximum loan amount is $550, the loan cannot exceed 31 days, and A licensee shall not charge, directly or indirectly, a fee for other consideration in excess of 15% of the face amount of the check† (Morton, 2012). Also several different acts were implemented by the Federal Government to address the different issues associated with payday lending that have an effect, forcing businesses like Cash Connection to create a strategy and approach that comply with these regulations.

Eulogy for Grandmother :: Eulogies Eulogy

Eulogy for Grandmother My grandmother was a truly amazing person. She was brilliant, compassionate, and outgoing, a fantastic dancer with a sense of humor, and without any ego at all. In other words, exactly like me! Seriously, though, we have a lot in common. Among other things, I inherited her curly hair, her mind for trivia, and her obsession with books and music... She preferred mystery novels and jazz standards, while I liked science fiction and rock n' roll, but those differences are only skin-deep. Like she always said, "I guess that's why they make chocolate and vanilla ice cream." (She preferred butter pecan.) That reminds me of one small difference between us: she was an amazing cook, while I still have trouble boiling water. Meatballs with all-day sauce, stuffed shells, followed by icebox cake... It was all so good. You could walk into her apartment and pass out from the smells alone. It makes me hungry just thinking about it. And when I'd walk home from elementary school and let myself into her empty apartment, there would always be a note on the TV, telling me that there were cookies and milk in the fridge. It's the little things... I always knew that she was thinking about me. As we both grew older, we grew even closer. I did some pretty terrible things in high school, but she always took my side, even when I was clearly in the wrong. She defended and protected me, mostly from my mom. Years later, at my wedding, she serenaded us in a garden in Cambria, accompanied by a jazz band. She sang, "It had to be you, wonderful you... It had to be you." She had such a beautiful singing voice, and I swear, she must have known the lyrics to every single song written before 1959. We shared a dance afterwards. Even though I was taller than her, she still made me feel like a little boy, as we danced cheek-to-cheek. It was the best day of my life. When I think of her, I think of her warm embrace. On my bad days, she would hold and comfort me. Grandma would wrap me in her arms and protect me from the rest of the world, and make me feel that everything was going to be all right. Even in her hospital bed, holding her hand and listening to her soft breath, I wanted to kick my shoes off and be hugged by those safe, strong arms. Eulogy for Grandmother :: Eulogies Eulogy Eulogy for Grandmother My grandmother was a truly amazing person. She was brilliant, compassionate, and outgoing, a fantastic dancer with a sense of humor, and without any ego at all. In other words, exactly like me! Seriously, though, we have a lot in common. Among other things, I inherited her curly hair, her mind for trivia, and her obsession with books and music... She preferred mystery novels and jazz standards, while I liked science fiction and rock n' roll, but those differences are only skin-deep. Like she always said, "I guess that's why they make chocolate and vanilla ice cream." (She preferred butter pecan.) That reminds me of one small difference between us: she was an amazing cook, while I still have trouble boiling water. Meatballs with all-day sauce, stuffed shells, followed by icebox cake... It was all so good. You could walk into her apartment and pass out from the smells alone. It makes me hungry just thinking about it. And when I'd walk home from elementary school and let myself into her empty apartment, there would always be a note on the TV, telling me that there were cookies and milk in the fridge. It's the little things... I always knew that she was thinking about me. As we both grew older, we grew even closer. I did some pretty terrible things in high school, but she always took my side, even when I was clearly in the wrong. She defended and protected me, mostly from my mom. Years later, at my wedding, she serenaded us in a garden in Cambria, accompanied by a jazz band. She sang, "It had to be you, wonderful you... It had to be you." She had such a beautiful singing voice, and I swear, she must have known the lyrics to every single song written before 1959. We shared a dance afterwards. Even though I was taller than her, she still made me feel like a little boy, as we danced cheek-to-cheek. It was the best day of my life. When I think of her, I think of her warm embrace. On my bad days, she would hold and comfort me. Grandma would wrap me in her arms and protect me from the rest of the world, and make me feel that everything was going to be all right. Even in her hospital bed, holding her hand and listening to her soft breath, I wanted to kick my shoes off and be hugged by those safe, strong arms.

Faith-Based Social Service Organization Essay

Habitat for Humanity does not give away free homes to anyone. Habitat for Humanity provides housing that families can afford. Every family that receives a home puts in as much work as a volunteer and they contribute 300 to 500 hours of â€Å"sweat equity† on the construction of their home or someone else’s home, as their website states. The website states there are a lot of myths about Habitat for Humanity. People assume families receive completely free homes, when in fact this is not true. A lot of hard work goes into building these homes and all of the future home owners put in an equal amount of hard work. Habitat for Humanity receives many donations for a new home and provides the family with an affordable mortgage. Habitat for Humanity states â€Å"Habitat for Humanity offers homeownership opportunities to families who are unable to obtain conventional house financing. Generally, this includes those whose income is 30 to 50 percent of the area’s median income. In most cases, prospective Habitat homeowner families make a $500 down payment. † Habitat for Humanity is a Christian based organization, but does not discriminate against religion. Habitat for Humanity provides homes for families of any religion, race, or any other difference. Habitat for Humanity also provides faith in communities and in stows Christian beliefs into families of need. Habitat for Humanity states â€Å"Habitat’s ministry is based on the conviction that to follow the teachings of Jesus Christ, we must love and care for one another. Our love must not be words only— it must be true love, which shows itself in action. Habitat provides an opportunity for people to put their faith and love into action. We bring diverse groups of people together to make affordable housing and better communities a reality for everyone. Habitat for Humanity has a strong Christian background; however, they accept anyone that believes in providing help for others. Habitat for Humanity also receives government funding to help families in need of homes. They accept donations from the government, but do not accept donations if it affects their Christian beliefs. Habitat for Humanity states â€Å"Habitat is an independent, nonprofit organization that accep ts some government funds and other resources to help provide houses for those in need. We accept these funds as long as they do not limit our ability to demonstrate the love and teachings of Jesus Christ. Additionally, our local affiliates insert specific guidelines as needed to avoid becoming dependent on or controlled by government funds. † I found this statement to show how strongly faith-based this organization is. Habitat for Humanity is a very excellent organization and provides people with much more than just a home. They give families faith in their futures and provide a sense of stability for a family. I believe Habitat for Humanity has volunteers who are knowledgeable about the organization’s beliefs. I believe the lucky families also know about Habitat for Humanity’s beliefs and views of Christianity.

The Refugee

The Refugee by Pearl S. Buck Genre: social problem Theme: the aftermath of a natural disaster Setting: city in China; flood Characters: old man, noodle vendor, passer-by Summary: Please put the paragraphs into the correct order: An old man, too old for the heavy burden he is carrying, is the last of the procession. He can hardly keep up with the others. When he can no longer go on he sits down near a stand selling hot noodles. A man passing by takes pity on him and offers him some coins, although he himself does not know where his next meal is to come from.The old man is reluctant to take the money. He does not want to be thought a beggar and so explains the situation. He says that his people had good land, but that the river rose and they had no food left. In desperation they even ate the seed which had been bought for planting the land. He takes pains to defend his people, saying that they were too hungry and too inexperienced to think of the future, although he warned them not to eat the seed. The passer-by drops a silver coin and a copper penny into the old man's apron and goes on his way.To the noodle vendor's surprise the old man does not spend all the money on food, but only the copper coin. He gives the noodles to his small grandson, whom he is carrying in one of his baskets. The boy's mother and father had died in the floods and the old man is now looking after the child. He himself only eats the few scraps left by the boy. Then he hands the bowl back to the astonished vendor, who cannot understand why a starving man with a silver coin does not buy more food for himself.The old man explains that the rest of the money is for seed. He says that the best thing he can do for his grandson is to buy seed to ensure against more starvation the following year. The flooding of the river has forced the farmers of an unnamed country to leave their homelands and look for food and shelter in the capital a few hundred miles away. The city is full of ragged and starvi ng refugees and nobody really knows how to cope with the problem. They have to live in great camps outside the city wall trying to find work and food.The situation is causing a lot of bitterness among the local inhabitants. One day some new refugees arrive. They are different from the others in that they are not â€Å"riff-raff from some community always poor and easily starving in a flood time†. They are all from the same region and are well-built, neatly and cleanly dressed and obviously take pride in themselves, despite their hopeless situation. There are, however, no young girls and no infants, which suggests that they must have perished during the floods while still working in the fields.All of them carry bedding and cauldrons, though there is no trace of food in any of them. The lack of food shows in their faces and in their apathy towards the things around them. Unit I The Situation in the City 1. The situation in the city Why did the refugees have to leave their land? How do the refugees feel about the new place? Which words tell the reader that the place where they come from is very different from where they are now? How does the time of year make the situation of the refugees even worse?How do the local inhabitants feel about all the refugees in their city? The crowd of refugees is described as a â€Å"horde† (25 5). This term expresses dislike. Which other word in the same paragraph describes the refugees in a way which shows how much the inhabitants dislike them being in the city? Look the word up in a dictionary. What does it compare the refugees with? What ideas come to mind when you hear the word â€Å"horde†? Unit II The Refugees 1. The new refugees Despite the differences which exist between the new refugees and the others what do they have in common? common features: | |Feeling of alienation and estrangement | |They are as in a dream: apathy, lack of interest, no curiosity, indifference, despair, loss of hope, no confide nce | | | |differences: | |common refugees |new refugees | |they beg at doors | | |they have no belongings | | |tend to be poor wherever they are | | |†clothed somehow† (24 14-15) | | |they are â€Å"ragged† (24 16) | | |riff-raff no-one is proud of | | Unit III The significance of the title What makes the old man different from all the other refugees? Unit IV Unanswered Questions; The Message Topics for further discussion: What natural catastrophes threaten us? The message What can the reader learn from the story? Suggestion for written work: a) Imagine you are a citizen of the capital, a shopkeeper. You have had enough of all these refugees and do not want any more to come. You saw the new ones arrive yesterday.Write a letter to the editor of your local paper, explaining your point of view and demanding that something should be done about the situation. Words from the story will help you. b) Imagine you are the person who gave the money to the old man. Write a letter to the editor of your local paper, explaining how you feel: say that you want the city to do more to help the refugees both in their present situation and in the future. Suggest some ways of preventing a second catastrophe. Explain what will happen if there is no long-term help. Start both letters with ‘Dear sir' and end them with ‘Yours faithfully'. Read the letters out in class and discuss them.

Liquid Nitrogen Facts, Safety and Uses

Liquid Nitrogen Facts, Safety and Uses Liquid nitrogen is a form of the element nitrogen thats cold enough to exist in a liquid state and is used for many cooling and cryogenic applications. Here are some facts about liquid nitrogen and crucial information about handling it safely. Liquid Nitrogen Facts Liquid nitrogen is the liquefied form of the element nitrogen thats produced commercially by the fractional distillation of liquid air.  Like nitrogen gas, it consists of two nitrogen atoms sharing covalent bonds (N2).Sometimes liquid nitrogen is denoted as LN2, LN, or LIN.A United Nations Number (UN or UNID) is a four-digit code used to identify  flammable  and harmful chemicals. Liquid nitrogen is identified as UN number 1,977.At normal pressure, liquid nitrogen boils at 77 K (−195.8 ° C or −320.4 ° F).The liquid-to-gas expansion ratio of nitrogen is 1:694, which means liquid nitrogen boils to fill a volume with nitrogen gas very quickly.Nitrogen is non-toxic, odorless, and colorless. It is relatively inert. It is not flammable.Nitrogen gas is slightly lighter than air when it reaches room temperature. It is slightly soluble in water.Nitrogen was first liquefied on April 15, 1883, by Polish physicists  Zygmunt Wrà ³blewski and Karol Olszewski.Liquid nitroge n is stored in special insulated containers that are vented to prevent pressure buildup. Depending on the design of the Dewar flask, it can be stored for hours or for up to a few weeks. LN2 displays the Leidenfrost effect, which means it boils so rapidly that it surrounds surfaces with an insulating layer of nitrogen gas. This is why spilled nitrogen droplets skitter across a floor. Liquid Nitrogen Safety choja / Getty Images When working with liquid nitrogen, taking safety precautions is paramount: Liquid nitrogen is cold enough to cause severe frostbite on contact with living tissue. You must wear proper safety gear when handling liquid nitrogen to prevent contact or inhalation of the extremely cold vapor. Cover and insulate skin to avoid exposure.Because it boils so rapidly, the phase transition from liquid to gas can generate a lot of pressure very quickly. Do not enclose liquid nitrogen in a sealed container, as this may result in it bursting or an explosion.Adding large quantities of nitrogen to the air reduces the relative amount of oxygen, which may result in an asphyxiation risk. Cold nitrogen gas is heavier than air, so the risk is greatest near the ground. Use liquid nitrogen in a well-ventilated area.Liquid nitrogen containers may accumulate oxygen that is condensed from the air. As the nitrogen evaporates, theres a risk of violent oxidation of organic matter. Liquid Nitrogen Uses Liquid nitrogen has many uses, mainly based on its cold temperature and low reactivity. Examples of common applications include: The freezing and transporting of food productsThe cryopreservation of biological samples, such as sperm, eggs, and animal genetic samplesUse as a coolant for superconductors, vacuum pumps, and other materials and equipmentUse in cryotherapy to remove skin abnormalitiesThe shielding of materials from oxygen exposureThe quick freezing of water or pipes to allow work on them when valves are unavailableA source of extremely dry nitrogen gasThe branding of cattleThe molecular gastronomy preparation of unusual foods and beveragesThe cooling of materials for easier machining or fracturingScience projects, including making liquid nitrogen ice cream, creating nitrogen fog, and flash-freezing flowers and subsequently watching them shatter when tapped onto a hard surface.

7 Interview Questions Youre Not Expecting

7 Interview Questions Youre Not Expecting These days it’s not all about how good we look on paper. Skills and experience and results are very important, but workplace culture within companies is becoming an ever more important factor in the hiring process. And one of the ways interviewers can screen for this is by determining the emotional intelligence of their potential employees. Emotional intelligence. You know, empathy, social skills, self-awareness. How you might comport yourself under pressure. How you might handle difficult situations. What kind of coworker you’d be. Etc.Here are 7 questions that are probably trying to assess just that:â€Å"What bothers you most about other people?†This will give the interviewer valuable insight into how you perceive other people, and how you handle interpersonal conflict. You’ll want to be generous here, and not succumb to pettiness or venom. Take the higher road.â€Å"Tell me about a day when everything went wrong.†Everybody has bad days. What the interviewer wants to know most is whether you took it out on your coworkers, or crumbled under pressure- whether you were able to have a sense of humor about it. They’re hoping to find someone who can handle uncertainty and difficult situations without losing their cool.â€Å"Tell me about a colleague whom you really got along with.†What do you see in others? What traits do you value in friends and coworkers? If it seems like you have only forced, professional dealings at the office, they might think you’re on the stiffer side.â€Å"What’s something you could teach me?†Do you have any particular knowledge or skills that might be unique and useful in that workplace? If so, are you able to humbly and clearly pass that on to someone else? Can you communicate effectively? How’s your ego?â€Å"Tell me about someone you admire.†What you value most in others is very enlightening about who you really are. If you value the cutthroat backstabb ing success-at-all-costs type, red flags might be going off. And if you value the plodding career desk-slumper, your interviewer might think you have no drive to push yourself to greater heights. There’s no real fudging this question, so be honest, but try and pick someone truly admirable.â€Å"What are you most proud of?†Can you highlight a particular achievement without being a total egotist? Can you speak of something good you did without humblebragging? Are you able to be gracious about the help you may have received along the way? Did you rest on your laurels, or use one success to nudge you gently toward other?â€Å"If you were the boss, what kind of person would you hire?†Not just for this job, but for any job. Telling an interviewer what you might value in an employee reveals to them a bit about who you might be as their employee. At very least, they’ll get a sense of what matters most to you in the workplace setting, and what sort of team youâ₠¬â„¢d most like to be a part of.

Stories told by Homer and Herodotous abiut women Essay

Stories told by Homer and Herodotous abiut women - Essay Example Even though a number of his stories were imaginary and others imprecise, he claims he was reporting only what was narrated to him and was yet frequently very near to right. Little is well-known of his private history (Peissel 2005, 40-56).The purpose of this essay is to discuss whether the stories narrated by Homer as well as Herodotus concerning women, their acts, and their kidnapping are supported by any proof that may make those tales amount to history Discussion: Reliability Whilst The Histories were sporadically criticized in relic, contemporary historians and philosophers usually take an optimistic outlook. Regardless of the controversy, Herodotus still acts as the key and regularly only, cause for proceedings in the Greek planet, Persian territory, and the area usually in the three centuries leading up until his own moment. Herodotus, similar to numerous ancient historians, favored a component of show to merely investigative history, targeting to give enjoyment with â€Å"thrilling events, huge dramas, and strange exotica.†As such, definite passages have been the topic of disagreement and even some distrust, both in ancient times and at present. The correctness of the writings of Herodotus has been contentious since his own period. Normally, although, he was at that time, and especially is currently, considered as reliable. Numerous philosophers (Aruban, Davidson, Poe, Wesley, Zelenko, Volley and Bernal) antique and current regularly cite Herodotus.